Check and improve your credit score
Pay down existing debt
Save for a larger down payment
Lower your debt-to-income ratio
Compare offers from multiple lenders
Get preapproved before shopping
Choose a shorter loan term
Consider paying discount points
Lock your rate at the right time
Avoid taking on new debt before closing
Verify your income and assets are well documented
Shop for both bank and nonbank lenders
Negotiate lender fees and closing costs
Consider a larger down payment to avoid mortgage insurance
Ask about special programs for first-time buyers, veterans, or low-income borrowers
Maintain stable employment and finances during the application process